Stage A · You
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Open a Charm merchant account. Defense activates with the same application — no second contract, no add-on cart.
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Every Charm merchant account comes with built-in chargeback monitoring, automated evidence, and dispute response. Not an add-on. Not an upsell. Just how we run your account.
Open a Charm merchant account. Defense activates with the same application — no second contract, no add-on cart.
A chargeback hits. Charm intercepts it the moment the issuing bank flags it — you don't open a portal, you don't draft a response.
Charm assembles the evidence packet, files the response, and recovers the funds. You get a notification when the case is won.
Zero merchant effort. Charm handles stages B and C. You just get paid.
Visa and Mastercard alerts intercept disputes before they post. Stay below the 1% threshold and protect your processing eligibility — automatically.
Charm pulls every relevant data point — transaction logs, customer history, shipping confirmation, IP, device fingerprint — and assembles a complete, optimized dispute response.
Block known digital shoplifters before they ship. Every Charm merchant benefits from the network — repeat offenders flagged across thousands of accounts.
From the first alert to the final recovery. You get a notification when we win — that's the only thing on your plate.
Charm Defense intercepts disputes, builds evidence, and responds on your behalf. Most resolve before they post.
Charm Defense is included in every merchant account. The application is the same one. The pricing is the same one. The protection is automatic.